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Speaker 1: Welcome to Had the Money. I'm Joel and I and

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Speaker 1: Matt and today we're talking about robots ruining everything, a

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Speaker 1: new robin Hood feature, and Kim Kardashian's crypto kerfuffle. All

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Speaker 1: you needed to do is throw Kanye into that last

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Speaker 1: headline and you would have had a bunch of alliteration

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Speaker 1: and showing on. Uh. Now, this is our Friday flight

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Speaker 1: where every week we look at the headlines and we

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Speaker 1: talk about not how they influence our music, but how

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Speaker 1: they impact our finances. We're gonna talk about how it

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Speaker 1: impacts our money. By the way, I did try to

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Speaker 1: listen to the new Kanye album, partially because he recorded

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Speaker 1: it here in Atlanta. I got through the first few

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Speaker 1: tracks and then they weren't bad, but there were twenty

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Speaker 1: seven tracks. I'm like, Kanye, I don't have that kind

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Speaker 1: of time. I was seeing something how literally he had

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Speaker 1: changed the number of tracks they were on that album

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Speaker 1: because pulled one back. It's just like, wait, what is

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Speaker 1: going on here? And honestly, I think he's kind of

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Speaker 1: a genius marketer and and I think it's all in

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Speaker 1: an attempt to get people like us to talk about it.

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Speaker 1: And if so, he succeeded, and so with that in mind,

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Speaker 1: I'm not going to talk about it anymore. Instead, actually

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Speaker 1: I wanted to talk about I wanted to share that, dude,

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Speaker 1: I scored my Chase Sapphire Preferred points. I hit my

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Speaker 1: minimum spend, which is that's a hundred thousand points, right,

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Speaker 1: a hundred Yeah, so I saw my my total pointed

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Speaker 1: shoot over one hundred thousand, which is equivalent to over

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Speaker 1: fifty dollars. But here's the thing, so they were kind

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Speaker 1: of unclear in the language. You don't you can't actually

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Speaker 1: get a check for one d and fifty dollars statement

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Speaker 1: credit though, right, well, yeah, statement credit. But they don't

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Speaker 1: make it super easy like it used to be like

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Speaker 1: in the past, or were some other cards. You could

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Speaker 1: just apply that total balance to your statement. But the

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Speaker 1: way that they're doing it, you have to go through

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Speaker 1: and click different charges that you want to apply it too.

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Speaker 1: It's a little sneaky. It's it's kind of a hoop

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Speaker 1: that you have to jump through, still more than when

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Speaker 1: you're talking about getting Yeah, big of a benefit, but

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Speaker 1: that yeah, that's a sneaky way to approach it. Yeah,

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Speaker 1: I mean it took all of ninety seconds just to

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Speaker 1: run through a bunch of purchases, mostly being able to

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Speaker 1: apply it to like restaurants and um, grocery stores, that

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Speaker 1: kind of thing. That being said, you can actually received

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Speaker 1: just straight cash back, but it's the reduced amount. It's

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Speaker 1: only uh one dollars as opposed to that bonus two

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Speaker 1: fifty that you also get. So obviously I went for

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Speaker 1: that bonus. I got that. That that's all it takes.

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Speaker 1: Uh And so if you haven't checked out the Chase

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Speaker 1: Sapphire Preferred, I mean, it is a complete no brainer.

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Speaker 1: There has never been a credit card like this that

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Speaker 1: was offering such an incredible sign up bonus. If you

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Speaker 1: don't struggle with overspending when you get a fresh new

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Speaker 1: credit card like that, we would highly recommend you look

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Speaker 1: into this card. If it was just for like a

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Speaker 1: hundred bucks or twohundred bucks, this isn't something we would

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Speaker 1: be talking about. But the fact that it is over

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Speaker 1: one tho it's twelve fifty if you apply it to

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Speaker 1: actual purchases that you've made with that card, and that

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Speaker 1: is just some serious value that you can't ignore. For sure,

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Speaker 1: it's pretty solid. It's been around now for a minute.

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Speaker 1: We're not sure how long it's gonna allow us. Yeah,

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Speaker 1: it's definitely the richest sign up on us we've seen

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Speaker 1: for the card that we already kind of talked about

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Speaker 1: in like but Matt, let's keep moving on. Let's let's

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Speaker 1: get to the Friday flight. Let's talk about the stories

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Speaker 1: that happened this week and how they impact all of

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Speaker 1: our collected wallets. And you know, last week we actually

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Speaker 1: talked about you waiting to get the new iPhone. You know,

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Speaker 1: you you that's right. You wanted the new one to

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Speaker 1: be released so you can get the prior version, not

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Speaker 1: at a reduced price exactly, not to get that third team,

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Speaker 1: It's because I want a discount itself, exactly. And it

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Speaker 1: looks like that announcement is going down next week that

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Speaker 1: you might be buying a phone next week. Man. But yeah,

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Speaker 1: that is great news for everybody who wants to pay

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Speaker 1: less for a new but not very new model phone.

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Speaker 1: And there was actually a study done this week by

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Speaker 1: wallet hub about iPhone upgrade habits that had some revealing information.

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Speaker 1: They found that one in three people plan on getting

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Speaker 1: the new iPhone this year, and that one in five.

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Speaker 1: It's a lot, there's a lot of people. And then

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Speaker 1: one in five think that it's worth going into debt for.

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Speaker 1: And that was also a lot of people, more than

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Speaker 1: I would like to hear. Yeah, exactly, Like I feel like,

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Speaker 1: can we just say right now on how the money?

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Speaker 1: But it's a hard no going in debt to get

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Speaker 1: a new device. There are especially if you're like man

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Speaker 1: going gung ho and getting the nicest device, But really,

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Speaker 1: no matter which way you slice it, going into debt

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Speaker 1: to buy a new electronics item, it's just a no no.

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Speaker 1: We would never ever suggest anyone do it for really

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Speaker 1: any reason. Absolutely. I mean honestly, I don't think taking

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Speaker 1: on debt for anything that is going to depreciate is

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Speaker 1: ever a good idea. Right investments only, that's when you

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Speaker 1: can use leverage to your advantage, dude. One of the

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Speaker 1: stats I found most revealing is that of people in

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Speaker 1: the survey on wallet hub, they say that they're judging

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Speaker 1: you basically if you don't have the latest version of

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Speaker 1: the iPhone. They believe that not having the newest and

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Speaker 1: hottest phone is a sign that you are actually struggling financially.

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Speaker 1: I know those iPhone people are judging us Android people anyway,

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Speaker 1: so I'm used to it. But what about the Yeah,

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Speaker 1: I mean, if they're judging people who don't have the

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Speaker 1: latest phone, I can't imagine how many people are actually

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Speaker 1: judging me with the piece that I've been carrying around

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Speaker 1: for so long. But really, man, this they've got it backwards.

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Speaker 1: This all goes back to the millionaire next door. The

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Speaker 1: folks who are actually building wealth are the ones who

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Speaker 1: have money in the bank, money in their retirement accounts. Uh.

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Speaker 1: They're the ones who are saving and investing their money,

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Speaker 1: not constantly upgrading their gadgets and uh buying things to

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Speaker 1: display to signal to others that they've got their finances

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Speaker 1: that they've got their money together. That's true. Yeah, the

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Speaker 1: more you're doing that, the less money you actually have.

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Speaker 1: And so it looks like to other people you've got money,

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Speaker 1: but in reality you don't have as much as the

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Speaker 1: people who aren't living as flashy of a lifestyle. There's

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Speaker 1: actually some other cool news about the iPhone this week,

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Speaker 1: math that I found actually more compelling than the release

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Speaker 1: of the newest one, and it's that Apple is testing

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Speaker 1: out using your I D on your phone in a

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Speaker 1: handful of states. In our state of Georgia is in

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Speaker 1: this pilot program Yeah, they're one of like two states

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Speaker 1: that they're gonna implement it first, in which I'm super

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Speaker 1: stoked about. Yeah, that's super cools. Like this move basically

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Speaker 1: like when you go to the airport now, instead of

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Speaker 1: pulling out your physical driver's license, you can just leave

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Speaker 1: your wallet at home and bring your phone and show

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Speaker 1: it to T s A and keep walking through the line.

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Speaker 1: The actual rollout data is still to be determined, but yeah,

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Speaker 1: we'll mention it get on the show and further details

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Speaker 1: get rolled out. Yeah. Again, Sadly, for me as an

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Speaker 1: Android user, this is not something I'll be able to

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Speaker 1: take advantage of, but it's cool to see our phones

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Speaker 1: that are really doing everything. Now they're replacing our flashlights

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Speaker 1: or replacing our calculators, and now they're gonna replace our

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Speaker 1: wallets because we can already pay with something like Google

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Speaker 1: to Pay, and now being able to put your license

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Speaker 1: on there as well. It's like, I love my wallet,

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Speaker 1: but what do I need it for? Now? All I

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Speaker 1: need is my phone just to be able to whip

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Speaker 1: out a little pocket knife, to be able to cut

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Speaker 1: little things that I need, open you know, packages, that

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Speaker 1: kind of thing. But is this enough for you to

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Speaker 1: maybe jump on the bendwagon and get a knife phone.

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Speaker 1: And you think I don't. I don't think so, because

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Speaker 1: it's gonna come to Android at some point too, right,

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Speaker 1: I don't know my well, but like that is honestly

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Speaker 1: the only reason that I still carry about all at

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Speaker 1: around is because my ideas in there. Just you know,

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Speaker 1: when you're going to the liquor store, if you're at

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Speaker 1: a restaurant, you get carded, which honestly happens less often.

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Speaker 1: Now do you like whence the last time you got carded.

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Speaker 1: I don't have as many gray hairs as you, so

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Speaker 1: it's understandable if you're getting carded less. But also to you,

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Speaker 1: if I've got a bunch of kids with me, like,

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Speaker 1: they never card me. When you've got four kids, four

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Speaker 1: kids into they're like, okay, there's no way that's a

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Speaker 1: bold move to card you. That's a really bold move.

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Speaker 1: There's no need for that, that's true. Let's talk about

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Speaker 1: security issues here, Joel. Targeted ads are being served up

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Speaker 1: to you on your television. We've talked before on the

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Speaker 1: show about how TVs are getting smarter, and not just

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Speaker 1: when it comes to allowing you to stream content from

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Speaker 1: pretty much anywhere. Now, but TVs are are now gathering

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Speaker 1: data on what you're watching when you're watching it. Uh

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Speaker 1: And honestly, this is part of the reason too that

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Speaker 1: TVs have become so much more affordable over the past

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Speaker 1: several years, is because these manufacturers are able to make

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Speaker 1: money based on the data that they that they gather

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Speaker 1: and sell. When it comes to the TVs, now, not

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Speaker 1: only are we the consumer, we're the ones making the purchase,

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Speaker 1: buying the products, buying the streaming services, buying the devices,

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Speaker 1: but we are also the product ourselves because our data

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Speaker 1: is being sold to these different data companies that sell

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Speaker 1: that information. But Consumer Reports has a great article documenting

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Speaker 1: the fact that tailored ads are now the norm when

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Speaker 1: we're watching streaming content, just like the bespoke ads you

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Speaker 1: get when browsing the web that are based on your

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Speaker 1: browsing history, You're likely to have a similar experience the

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Speaker 1: next time you sit down to watch something via an

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Speaker 1: ad supported streaming app. Honestly, the only one I can

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Speaker 1: think of that I use all that often is YouTube

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Speaker 1: if I'm trying to look something up on YouTube, I've

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Speaker 1: realized how much I've gotten used to not having ads,

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Speaker 1: because when you are paying for certain services like Disney Plus,

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Speaker 1: like there aren't any ads, But with YouTube, when I

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Speaker 1: get that free information, they're always dishing up whatever tailored ads.

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Speaker 1: I guess fits the profile of my browsing. My my

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Speaker 1: wife was watching something the other day and a commercial

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Speaker 1: popped on and I was like, what's going on? Like,

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Speaker 1: what are you watching that has commercials? So we like

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Speaker 1: we watched streaming things they don't have commercials, and she

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Speaker 1: was like, I'm watching the show Ship's Creek and I

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Speaker 1: was like, cool. Did you know that we have my

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Speaker 1: parents Netflix log in and it's on there and you

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Speaker 1: don't have to watch ads? And she was like oh.

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Speaker 1: She was sometimes like where you watch depends on whether

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Speaker 1: you're gonna get ads right, and so if she was

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Speaker 1: watching on the wrong streaming service and watching commercials for

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Speaker 1: no reason. But I think the creevious thing about that

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Speaker 1: article was someone from a media company saying that they

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Speaker 1: know which physical stores you've spent time in and that

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Speaker 1: they use that information to feed you ads to basically

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Speaker 1: like if you were at Best Buy for forty five minutes,

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Speaker 1: we know it. It's like, oh my gosh, it's so weird.

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Speaker 1: It's it kind of feels like what don't they know

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Speaker 1: about us at this point in time? And U Yeah,

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Speaker 1: by the way, they're serving up these targeted ads through

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Speaker 1: what's known as a c R, or automated content recognition,

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Speaker 1: So it's even creepier mat that the TV makers can

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Speaker 1: figure out exactly what you're watching, even if you're not

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Speaker 1: watching something connected to the Internet, even if it's just

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Speaker 1: a DVD, because they're taking still pictures along the way

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Speaker 1: while you're watching it, and there's they're using that that

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Speaker 1: data as well. So yeah, what's a person to do. Well,

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Speaker 1: Um Consumer Reports again, who did a lot of great

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Speaker 1: work on this front. They've got a guide to turning

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Speaker 1: that a c R feature off on your specific TV

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Speaker 1: if you'd like your viewing habits to remain more private.

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Speaker 1: I don't know that there's any way to completely get

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Speaker 1: everything back in the bag, but you can do the

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Speaker 1: best you can by turning this off on your TV.

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Speaker 1: And they've got like different models and how you do that.

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Speaker 1: So it's worth checking out if this creeps you out

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Speaker 1: as much as it does Matt and I, yeah, well

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Speaker 1: I say it creeps me out and then I don't

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Speaker 1: like it. But then at the same time, sometimes when

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Speaker 1: I get you know, dished up a very customized ad

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Speaker 1: on Instagram and something's on sale. I say, oh, oh,

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Speaker 1: that's awesome. I'm glad I know that because that's actually

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Speaker 1: I made a purchase the last fall on a jacket

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Speaker 1: that was served up to me within my Instagram feed,

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Speaker 1: and they wouldn't have been able to do that without

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Speaker 1: my data. Right, that's true. All right, let's talk about

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Speaker 1: travel for a second. Trip stacking. Have you ever heard

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Speaker 1: of this term. It's like a new phrase that has

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Speaker 1: entered the phrase just this week. This is fascinating, it's

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Speaker 1: it's it's totally a thing now. A friend of the show,

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Speaker 1: Scott Kais, was interviewed for a New York Times article

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Speaker 1: about trip stacking this week. It's a super interesting concept,

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Speaker 1: and I see the appeal in the current travel environment.

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Speaker 1: The idea is that you book two trips over the

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Speaker 1: same period of time, and then you go on the

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Speaker 1: trip that seems like the most viable as you get

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Speaker 1: closer to the departure date with because because like one trip,

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Speaker 1: maybe the borders are close and you can't exactly one

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Speaker 1: of the places that you're trying to get, or there's

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Speaker 1: a spike in COVID, maybe in your you know, destination stating,

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Speaker 1: and you're like, maybe not I go there, maybe next year.

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Speaker 1: And so ultimately how this works is that you're gonna

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Speaker 1: take both trips, but you'll just push one of those

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Speaker 1: trips back aways on your calendar, cross your fingers. Maybe

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Speaker 1: next year things will be all right. But before you

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Speaker 1: take this approach, you need to make sure that you

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Speaker 1: understand that there are some downsides. You need to make

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Speaker 1: sure that you go about trip stacking in the proper way. Yeah, exactly,

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Speaker 1: because if you don't, you might end up taking one

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Speaker 1: trip for the price of two that is not ideal

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Speaker 1: and that that would in in fact be a giant

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Speaker 1: waste of money. But yeah, basically, if you book two

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Speaker 1: trips and the airline cancels, of course you're entitled to

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Speaker 1: a refund. But if you cancel those tickets then the

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Speaker 1: airline will typically offer you a travel voucher. And so

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Speaker 1: where you could really be out of money is if

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Speaker 1: you fail to use that voucher in the allotted time

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Speaker 1: given to you by the airline. For most airlines, if

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Speaker 1: you canceled that trip, if you book that trip this year,

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Speaker 1: you'll have use of that voucher to book another trip

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Speaker 1: through December thirty one of next year, so you've got

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Speaker 1: time to take another trip, but just make sure you're

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Speaker 1: aware of the specific rules surrounding that voucher. But if

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Speaker 1: you have booked with airline Miles and then you cancel,

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Speaker 1: then you get all your miles back if you don't

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Speaker 1: take that second trip, So that's probably the best option.

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Speaker 1: Booking with Miles is going to offer you superior protection.

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Speaker 1: But I love this idea of trip stacking math. It

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Speaker 1: sounds like a big pain in one way to try

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Speaker 1: to play in two trips at once and then cancel

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Speaker 1: one and rebook it for a later date. But if

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Speaker 1: you are dying to travel and you want to do

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Speaker 1: so safely, it seems like one of the best ways

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Speaker 1: to kind of head your bets. That's right, And fortunately

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Speaker 1: the major airlines are allowing for just more flexibility that

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Speaker 1: they don't normally offer for their cheapest basic economy fairs,

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Speaker 1: And so if you buy a ticket this year, you

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Speaker 1: won't have to pay a change fee, although you might

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Speaker 1: owe a little bit more money if there's a difference

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Speaker 1: in the fair, and so that's something to keep in mind.

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Speaker 1: And so yes, trip stacking this could be a helpful

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Speaker 1: strategy to plan for vacations. That way, you know you've

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Speaker 1: got some time planned off work on this make sure

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Speaker 1: is that that vacation doesn't end up a staycation because

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Speaker 1: you can't actually or don't want to actually go to

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Speaker 1: the destination you had in mind. All right, Joel, We've

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Speaker 1: got a few more stories that we're wanna get to

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Speaker 1: right after the break, including that Kardashian crypto kerfuffle. We'll

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Speaker 1: get to that plus others right after this break. All right,

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Speaker 1: we're from the break and it is time to get

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Speaker 1: to one of our favorite segments of all time. It

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Speaker 1: is the ludicrous headline of the week. And of course, Matt,

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Speaker 1: this one is Kim Kardashian related. Um, one of your

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Speaker 1: favorite Americans, right, your favorite Kardashian specifically, right, So, well,

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Speaker 1: now I think Chloe is probably my favorite, Matt. If

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Speaker 1: you're not, I don't even know how. I literally don't know. Yeah,

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Speaker 1: I know there's those two, right, Yeah, I couldn't name

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Speaker 1: the other ones, I don't think, but um, yeah, So

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Speaker 1: here's the headline, Kim Kardashian and Cryptofomo why regulators are

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Speaker 1: worried And this one comes from CNN Business. Kim Kardashian,

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Speaker 1: as it turns out, has over two hundred and fifty

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Speaker 1: million followers on Instagram. She just she that feat recently,

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Speaker 1: So congratulations, Kim, we are I believe nipping at your

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Speaker 1: hills with twelve six hundred. I am not one of

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Speaker 1: these Kim Kardashian Instagram followers, but yeah, more proper to

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Speaker 1: her for, you know, doing what she's doing and apparently Matt.

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Speaker 1: She recently released a sponsored Instagram post hyping up a

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Speaker 1: fairly new cryptocurrency coin, and that post made ripples not

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Speaker 1: just here in the US, but across the pond, because

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Speaker 1: when you're Kim Kardashian, you make that big of a splash,

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Speaker 1: and it drew some harsh comments from a regulator in

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Speaker 1: the UK. His name's Charles Randall, he basically said, which

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Speaker 1: is like the most British name ever, Charles Randol. And uh.

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Speaker 1: He basically was like, the Internet's full of crap and

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Speaker 1: he's right on that too. But yeah, while we agree

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Speaker 1: that there is some terrible investing advice out there, We've

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Speaker 1: talked about this. Some of the influencers out there on TikTok, Instagram,

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Speaker 1: wherever you're getting your social media, we're seeing more and

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Speaker 1: more finance content out there, and a lot of it's

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Speaker 1: not very good. But we just don't believe that more

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Speaker 1: regulation is the right answer. So yeah, we say, let

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Speaker 1: the ad play, let it stand if if they're you know,

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Speaker 1: that coin is willing to pay a Kardashian to promote

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Speaker 1: it or whoever. But the responsibility really and always remains

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Speaker 1: with us as independent adults, uh and investors as to

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Speaker 1: what we choose to do with our money. It's pretty

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Speaker 1: much always a bad idea to take investing advice from

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Speaker 1: a celebrity who's getting paid to dispense it. And really,

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Speaker 1: I'm you know, a celebrity in general, just Hollywood types

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Speaker 1: like um, you know, they live different lives than most

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Speaker 1: of the rest of us. And so yeah, if any Kardashian,

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Speaker 1: Chloe Kim, whoever it is, Kanye, or if Kanye is

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Speaker 1: dispensing investing, I'm probably not going to be listening, or

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Speaker 1: I'll take it with a grain of salt. And I

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Speaker 1: just recommend that we all have that approach when we

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Speaker 1: see these ads on Instagram or just you know, any

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Speaker 1: kind of content in general that's trying to push us

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Speaker 1: in a certain direction. Yeah, it's just crucial for us

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Speaker 1: to do our own research before jumping in with both feet,

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Speaker 1: and it's it's important for us to look to trusted sources,

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Speaker 1: especially if you're considering a decision that has a large

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Speaker 1: price tag attached to it. And you know, we gotta

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Speaker 1: say this one hits a little bit closer to home

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Speaker 1: because of the way that we are able to support

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Speaker 1: and run the podcast is through advertising. You know those ads,

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Speaker 1: just like the one from Kim Kardashian, Sorry k came

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Speaker 1: at her close friends? Do they really? I don't know,

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Speaker 1: I'm not a close friend. Well, those ads are clearly delineated.

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Speaker 1: You see the ads on Instagram, they have hashtag ad.

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Speaker 1: When you know you hear the music break, that's when

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Speaker 1: you know our ads are about to run. But we

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Speaker 1: wanted to mention that because the ads that we voice

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Speaker 1: are the only ones that we actually have control over,

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Speaker 1: and we choose to only voice for companies that we

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Speaker 1: like and that we think are going to be good

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Speaker 1: for our audience. But even still that you know, either way,

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Speaker 1: whether it's an ad you see or that you hear elsewhere,

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Speaker 1: even on our show or even just other content within

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Speaker 1: our show, we want you to do your own due

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Speaker 1: diligence before you act. Hopefully we've you know, you've you

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Speaker 1: trust us to give you the best in the right

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Speaker 1: information here on the show. That's our goal, our goals

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Speaker 1: to help our listeners. We want to make sure that

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Speaker 1: everyone is making wise financial decisions. But so much of

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Speaker 1: personal finance is personal, and so you have to make

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Speaker 1: sure that you know something that might be good for

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Speaker 1: Joel and I even I mean, gosh, even earlier this episode,

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Speaker 1: like we talked about credit cards. If you have a

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Speaker 1: problem with spending on credit cards, like that should be

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Speaker 1: something that you completely avoid, like do not get that

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Speaker 1: Chase card with that man of uh, you know, welcome

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Speaker 1: but us or whatever, because if you're just getting started,

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Speaker 1: it's like, and you know that that's your propensity exactly,

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Speaker 1: that's not the right move for you right now exactly.

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Speaker 1: So you have to make sure that you go into

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Speaker 1: any decision with your your eyes wide open and that

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Speaker 1: you are thinking for yourself. And we're not perfect, Like

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Speaker 1: we screw up too or we'll say the wrong thing,

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Speaker 1: um and so we again we try to give the

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Speaker 1: best advice, but we're not always right either. So that, yeah,

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Speaker 1: that is a good reminder. I like to consult multiple sources, Matt,

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Speaker 1: when I'm reading news to try to get an informed outlook,

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Speaker 1: and you know, we recommend our listeners do the same.

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Speaker 1: Let's move on, Matt, to this robin Hood story, this

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Speaker 1: new feature that they're launching. They're they're planning to roll

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Speaker 1: out something that allows you to access your paycheck a

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Speaker 1: couple of days earlier. This was reported by Bloomberg. A

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Speaker 1: few of the online banks have kind of been doing

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Speaker 1: this for a while now, so it seems like no

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Speaker 1: big deal, right, everybody's doing it well, kind of. We've

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Speaker 1: got no problems with you having the money that you've

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Speaker 1: made in your hands earlier. If your employer wants to

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Speaker 1: pay you daily, that's fine. If your bank wants to

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Speaker 1: say that your funds are available and ins day instead

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Speaker 1: of Friday, that's that's cool too. Like before the direct

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Speaker 1: deposit actually hits, if you have access to it, I

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Speaker 1: don't care. You can start earning interest on your own

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Speaker 1: money earlier than before, and that's great. The problem is though,

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Speaker 1: that we as individuals, we get used to a new

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Speaker 1: pay cycle pretty quickly, and then we can become dependent

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Speaker 1: on it, and it makes it easier for us to

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Speaker 1: live with less of a cushion. So yeah, we would say,

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Speaker 1: don't let earlier access to your hard earned dollars allow

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Speaker 1: you to spend those dollars more recklessly. This is a

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Speaker 1: feature that's interesting and we don't mind it, but behaviorally

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Speaker 1: our reaction to it can be the problem. Yeah. I mean, honestly,

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Speaker 1: it makes me think of the Advanced Child Tax Credit

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Speaker 1: right instead of paying that out at the end of

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Speaker 1: the year after you file your taxes, this is something

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Speaker 1: that's being trickled out to people every single month, and

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Speaker 1: whilst I do see the advantages to that, it increases

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Speaker 1: individuals dependence on that money. I do not like seeing that.

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Speaker 1: I want people to be effected. Yea. And if it

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Speaker 1: was not there one month, you're like, what exactly? So

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Speaker 1: we don't want folks to be in that situation where

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Speaker 1: they're counting on something like that to show up. We

427
00:20:04,080 --> 00:20:06,800
Speaker 1: want you to have enough margin on your own you know,

428
00:20:06,880 --> 00:20:08,439
Speaker 1: on your own terms, like you're in charge of your

429
00:20:08,440 --> 00:20:11,720
Speaker 1: own money, and to not be expectant on these advances

430
00:20:11,720 --> 00:20:15,000
Speaker 1: that show up. I really don't like the position that

431
00:20:15,000 --> 00:20:16,880
Speaker 1: it puts people in, but I think this is also

432
00:20:16,920 --> 00:20:19,200
Speaker 1: a really good time to just to warn our listeners

433
00:20:19,520 --> 00:20:21,919
Speaker 1: how easy a company like robin hood is making it

434
00:20:22,040 --> 00:20:24,880
Speaker 1: too quickly and seamlessly move your money around because they're

435
00:20:24,880 --> 00:20:27,720
Speaker 1: they're moving all of this within their app, or it's

436
00:20:27,760 --> 00:20:29,400
Speaker 1: reported at least that they're going to include this within

437
00:20:29,400 --> 00:20:31,600
Speaker 1: their app. They wanted to seem like that they're doing

438
00:20:31,640 --> 00:20:34,760
Speaker 1: something super noble, giving you access to your money earlier

439
00:20:34,800 --> 00:20:38,800
Speaker 1: than before. Yeah, or robin Hood, it's your money, it's

440
00:20:38,800 --> 00:20:41,119
Speaker 1: in our name. But what do they want you to

441
00:20:41,200 --> 00:20:43,399
Speaker 1: do with that money. Well, they would really love it

442
00:20:43,440 --> 00:20:45,560
Speaker 1: if you would invest more of it. And of course

443
00:20:45,800 --> 00:20:49,240
Speaker 1: we do love investing, but there's a real danger here

444
00:20:49,280 --> 00:20:53,000
Speaker 1: if you're investing just on a whim, especially in single stocks,

445
00:20:53,240 --> 00:20:55,720
Speaker 1: with money that instead should be sitting inside just a

446
00:20:55,760 --> 00:20:58,600
Speaker 1: boring savings and checking account. Uh, you might be prone

447
00:20:58,640 --> 00:21:01,639
Speaker 1: to risking too much money that you really need to

448
00:21:01,720 --> 00:21:04,879
Speaker 1: keep on hand, save for an emergency fund or for

449
00:21:05,040 --> 00:21:06,960
Speaker 1: a larger savings goal. And so that's a part of

450
00:21:06,960 --> 00:21:10,360
Speaker 1: the reason we don't like just the just how these

451
00:21:10,359 --> 00:21:12,879
Speaker 1: different apps are just greasing the tracks and allowing us

452
00:21:12,880 --> 00:21:15,840
Speaker 1: to move money without hardly even thinking about it. We

453
00:21:15,840 --> 00:21:18,639
Speaker 1: don't want you to make investment decisions like that on

454
00:21:18,640 --> 00:21:20,680
Speaker 1: a whim. And on top of that too, Robin Hood,

455
00:21:20,760 --> 00:21:23,920
Speaker 1: Like they don't even offer retirement accounts, and that should

456
00:21:23,920 --> 00:21:27,280
Speaker 1: be the number one priority for the money that you're investing. Uh.

457
00:21:27,320 --> 00:21:29,320
Speaker 1: And so again we're saying all this because we want you.

458
00:21:29,600 --> 00:21:31,960
Speaker 1: It's not that we're against Robin Hood. We I really

459
00:21:32,000 --> 00:21:35,560
Speaker 1: like how intuitive and how easy they're able to make things.

460
00:21:35,880 --> 00:21:37,880
Speaker 1: But that only works if you have an actual plan

461
00:21:37,960 --> 00:21:40,160
Speaker 1: for your money. Uh. If they're making it too easy

462
00:21:40,160 --> 00:21:41,680
Speaker 1: for you and you don't have a plan, well, they're

463
00:21:41,680 --> 00:21:43,800
Speaker 1: just making it really easy for you to make mistakes

464
00:21:44,160 --> 00:21:47,600
Speaker 1: rather than execute the smart money moves that you've planned out. Yeah, exactly.

465
00:21:47,640 --> 00:21:50,240
Speaker 1: All right, let's move on though, and let's talk about

466
00:21:50,240 --> 00:21:53,400
Speaker 1: automation for a second, Matt. It's obviously been a focus

467
00:21:53,600 --> 00:21:55,720
Speaker 1: in our economy for a while now, more and more

468
00:21:55,720 --> 00:21:59,040
Speaker 1: automation happening. Ever since you know, Henry Ford and the

469
00:21:59,080 --> 00:22:03,880
Speaker 1: assembly line, automation has been an important part reference exactly. Yeah,

470
00:22:04,640 --> 00:22:06,880
Speaker 1: it has been really just this really important part of

471
00:22:07,040 --> 00:22:09,239
Speaker 1: what it looks like to become more efficient and more

472
00:22:09,280 --> 00:22:12,280
Speaker 1: optimized for all sorts of different companies. But yeah, the

473
00:22:12,560 --> 00:22:15,200
Speaker 1: trend to automate as much as possible has been accelerating.

474
00:22:15,200 --> 00:22:17,960
Speaker 1: A lot of that has been due to COVID. Understandably,

475
00:22:18,080 --> 00:22:21,600
Speaker 1: a survey last year found that forty of employers planned

476
00:22:21,600 --> 00:22:26,159
Speaker 1: to reduce their workforce by implementing new technologies. And that

477
00:22:26,200 --> 00:22:28,239
Speaker 1: sounds scary, and I think in some ways it is.

478
00:22:28,560 --> 00:22:32,000
Speaker 1: But the interesting thing is that automation all I think

479
00:22:32,040 --> 00:22:33,760
Speaker 1: for for years a lot of people have used it

480
00:22:33,800 --> 00:22:36,320
Speaker 1: as this, um, hey, we're gonna automate more stuff, more

481
00:22:36,359 --> 00:22:38,400
Speaker 1: people are gonna lose their jobs, and it's gonna lead

482
00:22:38,400 --> 00:22:41,440
Speaker 1: to widespread unemployment. We haven't really seen that be the

483
00:22:41,480 --> 00:22:45,040
Speaker 1: case though, um but it is particularly hitting the service

484
00:22:45,040 --> 00:22:47,800
Speaker 1: sector hard right now. The l Times actually had an

485
00:22:47,880 --> 00:22:51,440
Speaker 1: article and it mentioned Sweet Greens buying robots that cook

486
00:22:51,560 --> 00:22:53,680
Speaker 1: and dish up veggies. I kind of want to see

487
00:22:53,680 --> 00:22:56,160
Speaker 1: this thing in action. I've seen like Flippy the Hamburger

488
00:22:56,320 --> 00:22:59,480
Speaker 1: for the robot Burger. But it also highlighted using an

489
00:22:59,480 --> 00:23:01,920
Speaker 1: AI robe bot at Arby's that will take your order

490
00:23:01,920 --> 00:23:04,280
Speaker 1: and then relay it to the kitchen. So instead of

491
00:23:04,560 --> 00:23:07,720
Speaker 1: that friendly voice over the microphone or not so friendly

492
00:23:07,760 --> 00:23:10,560
Speaker 1: depending on where you're going, asking you what your order is,

493
00:23:10,800 --> 00:23:14,639
Speaker 1: now this AI enabled machine is taking your order. And

494
00:23:15,119 --> 00:23:18,920
Speaker 1: mobile ordering via QR code has obviously become ubiquitous during

495
00:23:18,920 --> 00:23:22,280
Speaker 1: the pandemic. Um automation is just quickly changing the job market,

496
00:23:22,320 --> 00:23:25,679
Speaker 1: and it's changing our expectations as consumers when we go

497
00:23:25,720 --> 00:23:27,880
Speaker 1: out to eat and in other areas too. But it's

498
00:23:27,920 --> 00:23:30,919
Speaker 1: just interesting how the restaurant sector is seeing it the

499
00:23:30,960 --> 00:23:32,600
Speaker 1: most quickly. Yeah, what do you think by the way

500
00:23:32,640 --> 00:23:35,199
Speaker 1: of mobile ordering via the QR code as opposed to

501
00:23:35,200 --> 00:23:38,239
Speaker 1: like wait staff, I kind of miss the old I

502
00:23:38,280 --> 00:23:40,520
Speaker 1: totally miss that. Yeah, but I get it, like it

503
00:23:40,560 --> 00:23:42,679
Speaker 1: makes sense and I understand the necessity for it, But

504
00:23:42,720 --> 00:23:45,560
Speaker 1: I definitely miss like getting to know my waiter just

505
00:23:45,600 --> 00:23:48,560
Speaker 1: a little bit, the personal interaction, like the humanity aspect

506
00:23:48,720 --> 00:23:51,360
Speaker 1: of talking with another another human being, having them make

507
00:23:51,440 --> 00:23:55,040
Speaker 1: some recommendations for you, them telling you, oh, actually this

508
00:23:55,080 --> 00:23:56,720
Speaker 1: isn't even on the menu yet because we just made

509
00:23:56,720 --> 00:23:58,960
Speaker 1: the switch. We just kicked that beer and we just

510
00:23:58,960 --> 00:24:01,320
Speaker 1: put those new ones at that kind of thing. I

511
00:24:01,480 --> 00:24:04,120
Speaker 1: miss that part of going to a restaurant so much,

512
00:24:04,400 --> 00:24:06,600
Speaker 1: and that's just a huge part of the experience. I

513
00:24:06,640 --> 00:24:08,880
Speaker 1: totally get it. Say at Arby's, like, you're not really

514
00:24:08,920 --> 00:24:12,920
Speaker 1: looking for experience, just looking for a triple roast beef sandwich.

515
00:24:13,800 --> 00:24:16,280
Speaker 1: You want to get through that line quickly. Uh. And

516
00:24:16,400 --> 00:24:18,080
Speaker 1: because that's what a drive through is. You want to

517
00:24:18,119 --> 00:24:20,080
Speaker 1: hit the road, you're going somewhere. But if you're going

518
00:24:20,119 --> 00:24:22,040
Speaker 1: to sit down at a restaurant, you're not just going

519
00:24:22,080 --> 00:24:24,320
Speaker 1: there for the food. You're going there to sit down

520
00:24:24,359 --> 00:24:26,240
Speaker 1: to enjoy the weather. If you're sitting on side to

521
00:24:26,320 --> 00:24:28,720
Speaker 1: enjoy the ambiance. Uh. And a part of that is

522
00:24:28,720 --> 00:24:32,160
Speaker 1: the wait staff. I totally miss uh some restaurants who

523
00:24:32,200 --> 00:24:34,879
Speaker 1: have switched to the the QR code ordering, Like I

524
00:24:34,920 --> 00:24:36,760
Speaker 1: don't mind it for the menu, It's like, okay, I

525
00:24:36,800 --> 00:24:38,880
Speaker 1: can just do that. It's the most up to date menu.

526
00:24:39,359 --> 00:24:40,719
Speaker 1: Get that. I also don't want to be on my

527
00:24:40,800 --> 00:24:43,280
Speaker 1: phone while I feel like I'm scrolling through my phone.

528
00:24:44,200 --> 00:24:46,200
Speaker 1: Rather have a big, old large menu and you can

529
00:24:46,200 --> 00:24:47,840
Speaker 1: point to stuff if you're there with your you know,

530
00:24:47,880 --> 00:24:50,040
Speaker 1: on a date with your wife, that kind of thing. Um.

531
00:24:50,440 --> 00:24:52,320
Speaker 1: And that's the other part of it too, the technology.

532
00:24:52,520 --> 00:24:54,480
Speaker 1: Like I'm thinking of one place that you know, I

533
00:24:54,480 --> 00:24:56,000
Speaker 1: went to and we had to like punch in our

534
00:24:56,040 --> 00:25:00,639
Speaker 1: credit card numbers directly into this form on their online ordering.

535
00:25:00,920 --> 00:25:02,760
Speaker 1: Talk about a huge pain. Like I don't know if

536
00:25:02,800 --> 00:25:04,480
Speaker 1: that was just because they had just gotten set up.

537
00:25:04,560 --> 00:25:07,960
Speaker 1: And also you're worried about identity TEP or something like that, right, Like, well,

538
00:25:07,960 --> 00:25:10,240
Speaker 1: I guess so. I mean maybe the argument is that

539
00:25:10,480 --> 00:25:12,520
Speaker 1: at least there's not a waiter who's gonna like write

540
00:25:12,520 --> 00:25:14,240
Speaker 1: down your number, you know, off on the side. But

541
00:25:14,240 --> 00:25:16,119
Speaker 1: I would rather that's why they need to do what

542
00:25:16,119 --> 00:25:18,480
Speaker 1: they do in Europe and bring the credit card machine

543
00:25:18,520 --> 00:25:20,280
Speaker 1: to who you at the table like that. That's a

544
00:25:20,320 --> 00:25:22,040
Speaker 1: so much better way to handle it with because when

545
00:25:22,040 --> 00:25:23,880
Speaker 1: they walk off with it and it's you know, out

546
00:25:23,880 --> 00:25:26,600
Speaker 1: of your sight, that's either well, and they have been

547
00:25:26,600 --> 00:25:28,840
Speaker 1: doing that more often, bringing you like the little square

548
00:25:29,160 --> 00:25:31,960
Speaker 1: terminal or the clover terminal, that kind of thing. But

549
00:25:32,000 --> 00:25:35,199
Speaker 1: I completely missed that real in person interaction um with

550
00:25:35,240 --> 00:25:37,920
Speaker 1: the pre COVID times. But another downside too of all

551
00:25:37,960 --> 00:25:42,199
Speaker 1: this automation is that companies are rejecting millions of resumes

552
00:25:42,520 --> 00:25:45,879
Speaker 1: because of automation techniques that they've implemented. The Harvard Business

553
00:25:45,880 --> 00:25:48,800
Speaker 1: School they released this report earlier this week that potentially

554
00:25:48,880 --> 00:25:52,560
Speaker 1: ten million applicants aren't making it past the first digital

555
00:25:52,720 --> 00:25:56,080
Speaker 1: gatekeeper when applying for a job, and this is largely

556
00:25:56,119 --> 00:25:58,800
Speaker 1: because of automated filters that are being used to screen

557
00:25:59,160 --> 00:26:01,960
Speaker 1: these potential employees, and so I get you know, while

558
00:26:02,000 --> 00:26:04,199
Speaker 1: businesses they want to make sure that they're not just

559
00:26:04,440 --> 00:26:08,840
Speaker 1: needlessly interviewing non relevant candidates, uh, they're actually shooting themselves

560
00:26:08,880 --> 00:26:12,720
Speaker 1: in the foot by creating essentially like too high of offense. So,

561
00:26:12,760 --> 00:26:15,919
Speaker 1: for example, many of these software programs they eliminate anyone

562
00:26:16,080 --> 00:26:19,520
Speaker 1: with a gap in an employment or someone who's been

563
00:26:19,520 --> 00:26:22,840
Speaker 1: employed at the gap the clothing store. I think that's

564
00:26:23,040 --> 00:26:24,480
Speaker 1: if you if gap has written in there, it's just

565
00:26:24,520 --> 00:26:27,120
Speaker 1: like no if you're getting kicked out exactly. And obviously

566
00:26:27,160 --> 00:26:29,960
Speaker 1: this has problems during even just normal times. It's obviously

567
00:26:30,000 --> 00:26:33,480
Speaker 1: creating even a bigger issue now. So this new information

568
00:26:33,560 --> 00:26:36,440
Speaker 1: shots some light on the fact that networking being persistent,

569
00:26:36,720 --> 00:26:38,879
Speaker 1: these are still major factors when it comes to landing

570
00:26:38,880 --> 00:26:41,000
Speaker 1: a job. We want you to follow up. We we

571
00:26:41,040 --> 00:26:44,080
Speaker 1: don't want you to get shut down cold buy an algorithm.

572
00:26:44,240 --> 00:26:45,640
Speaker 1: And I think some of this might even come back

573
00:26:45,640 --> 00:26:47,359
Speaker 1: and you know, by the employer in the butt as well,

574
00:26:47,400 --> 00:26:49,080
Speaker 1: because I think it already is. I think they can

575
00:26:49,119 --> 00:26:53,600
Speaker 1: make changes because they aren't getting enough good applicants, like

576
00:26:53,640 --> 00:26:56,359
Speaker 1: they are short of workers, and they're realizing this systems

577
00:26:56,400 --> 00:26:58,920
Speaker 1: in the way it's created. This fence, and so they're

578
00:26:58,920 --> 00:27:01,640
Speaker 1: gonna bring the fence down I think a couple of feet.

579
00:27:01,840 --> 00:27:03,159
Speaker 1: But then at the same time, you and I we

580
00:27:03,200 --> 00:27:05,320
Speaker 1: have to take a ladder to the fence. And and

581
00:27:05,480 --> 00:27:08,679
Speaker 1: our way of doing that is networking, is persistency, is

582
00:27:09,040 --> 00:27:12,040
Speaker 1: reaching out to actual individuals who work at the company

583
00:27:12,080 --> 00:27:14,720
Speaker 1: where you're applying. Those are the strategies you have to

584
00:27:14,720 --> 00:27:17,600
Speaker 1: implement because artificial intelligence is kind of making things a

585
00:27:17,640 --> 00:27:19,600
Speaker 1: little more difficult right well, and it makes it less personal,

586
00:27:19,640 --> 00:27:22,239
Speaker 1: like even going back to mobile ordering at restaurants, like

587
00:27:22,320 --> 00:27:24,600
Speaker 1: there is something that you can gather about somebody when

588
00:27:24,600 --> 00:27:26,280
Speaker 1: you sit down and talk to them face to face.

589
00:27:26,400 --> 00:27:28,240
Speaker 1: And that's something that these employers are missing out when

590
00:27:28,240 --> 00:27:30,720
Speaker 1: it comes to searching for new candidates. And on the

591
00:27:30,760 --> 00:27:33,520
Speaker 1: note of employment, Matt, there's a gap right now between

592
00:27:33,520 --> 00:27:35,719
Speaker 1: the jobs that are being hired for and then what

593
00:27:35,840 --> 00:27:38,680
Speaker 1: job seekers actually want to do. It's just like really

594
00:27:38,720 --> 00:27:41,320
Speaker 1: big gap right now. Um, And so yeah, for the

595
00:27:41,400 --> 00:27:43,680
Speaker 1: first time in a while, there are actually more job

596
00:27:43,720 --> 00:27:46,600
Speaker 1: openings then there are people looking for work. And some

597
00:27:46,680 --> 00:27:49,520
Speaker 1: of it, like we said, is because of those crummy algorithms,

598
00:27:49,520 --> 00:27:53,240
Speaker 1: like they're preventing the proper employer and employee from getting

599
00:27:53,280 --> 00:27:56,320
Speaker 1: paired up. But another huge piece is that the jobs

600
00:27:56,320 --> 00:27:58,800
Speaker 1: that we want are changing right now. We've kind of

601
00:27:59,080 --> 00:28:01,840
Speaker 1: decided that maybe the work we were doing it's not fulfilling.

602
00:28:01,880 --> 00:28:04,160
Speaker 1: We want to change industries, we want to shift careers

603
00:28:04,640 --> 00:28:08,320
Speaker 1: in education plays a central role in helping us get

604
00:28:08,320 --> 00:28:09,960
Speaker 1: the skills that we need in order to do that.

605
00:28:10,200 --> 00:28:12,199
Speaker 1: We've talked about like the training that you can receive

606
00:28:12,280 --> 00:28:15,000
Speaker 1: from Goodwill will link to that in the show notes. Uh,

607
00:28:15,040 --> 00:28:16,920
Speaker 1: they have a good will where you buy a secondhand

608
00:28:16,960 --> 00:28:20,200
Speaker 1: clothes exactly. They actually have partnered with some jobs program

609
00:28:20,240 --> 00:28:24,320
Speaker 1: major businesses to help you find great jobs um not

610
00:28:24,359 --> 00:28:27,080
Speaker 1: crumby jobs, really good jobs and so yeah that check

611
00:28:27,080 --> 00:28:30,399
Speaker 1: out their targeted and certification programs. And then Google Certificates

612
00:28:30,480 --> 00:28:32,840
Speaker 1: is an avenue that you can take. It's really really

613
00:28:32,920 --> 00:28:35,120
Speaker 1: cheap and it's a quick path to a higher paying job.

614
00:28:35,359 --> 00:28:38,800
Speaker 1: You can get a Google certificate in six months that

615
00:28:38,840 --> 00:28:41,720
Speaker 1: will lead to a pretty good gig for most people

616
00:28:41,800 --> 00:28:44,200
Speaker 1: that jobs that are in high demand. Well will link

617
00:28:44,240 --> 00:28:46,840
Speaker 1: to both of those, but they're they're definitely great places

618
00:28:46,880 --> 00:28:49,320
Speaker 1: for people to turn if you're interested in kind of

619
00:28:49,320 --> 00:28:52,560
Speaker 1: shaking things up. Both of those are great places to

620
00:28:52,560 --> 00:28:54,840
Speaker 1: to check out. Yeah, and over time, hopefully we'll see

621
00:28:54,840 --> 00:28:57,000
Speaker 1: that gap close, because I mean, I think there's always

622
00:28:57,000 --> 00:29:00,000
Speaker 1: going to be a lag between supply and demand. Uh.

623
00:29:00,160 --> 00:29:02,800
Speaker 1: And with the way things have been going with employers

624
00:29:02,840 --> 00:29:06,280
Speaker 1: and employees and prices and goods and you know, and pay,

625
00:29:06,320 --> 00:29:08,280
Speaker 1: like it's almost like a staring contest to see who's

626
00:29:08,280 --> 00:29:10,840
Speaker 1: gonna blink first, because employees don't want to come back

627
00:29:10,880 --> 00:29:13,200
Speaker 1: for low pay. But at some point something's gotta give,

628
00:29:13,360 --> 00:29:15,000
Speaker 1: whether it's the price of goods that they're gonna have

629
00:29:15,040 --> 00:29:18,080
Speaker 1: to jack up, or whether it's people wanting to come

630
00:29:18,080 --> 00:29:20,120
Speaker 1: back because they're running out of money. But in the end,

631
00:29:20,160 --> 00:29:22,360
Speaker 1: I think we will find that equilibrium. But it's just

632
00:29:22,400 --> 00:29:24,440
Speaker 1: at the moment we're definitely it feels wonky, right, it

633
00:29:24,440 --> 00:29:26,520
Speaker 1: feels out in flux right now, yeah, exactly. But but

634
00:29:26,640 --> 00:29:29,360
Speaker 1: things will settle down and and hopefully some of our

635
00:29:29,360 --> 00:29:33,920
Speaker 1: listeners will take advantage of the weird space that we're in,

636
00:29:34,080 --> 00:29:37,120
Speaker 1: the fact that some employers are in desperate need of

637
00:29:37,240 --> 00:29:40,280
Speaker 1: good people. And if you do want to change careers,

638
00:29:40,480 --> 00:29:43,160
Speaker 1: if you do want to get paid more money, moved

639
00:29:43,160 --> 00:29:46,320
Speaker 1: to a different company, now is a perfect time. And

640
00:29:46,600 --> 00:29:48,320
Speaker 1: it's it's kind of like having a home that you

641
00:29:48,320 --> 00:29:50,200
Speaker 1: wanted to sell this past spring. It was just like

642
00:29:50,320 --> 00:29:53,400
Speaker 1: perfect timing, right, And so if you are looking to

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Speaker 1: do anything career wise, it's perfect timing. It's it's and

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00:29:57,160 --> 00:30:00,200
Speaker 1: timing is not everything, but it's a lot out of

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Speaker 1: things in this life. And so yeah, we would suggest

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Speaker 1: that you strike while the iron's hot. But that's gonna

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Speaker 1: do it for this episode. We will have all those

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Speaker 1: links up in our show notes on our website at

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Speaker 1: how to money dot com. That's right. We hope everyone

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00:30:13,040 --> 00:30:15,440
Speaker 1: has a great weekend. We've got another great episode plan

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Speaker 1: for you here. On Monday, we're gonna be speaking with

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00:30:17,600 --> 00:30:20,480
Speaker 1: Marshall Allen and we're actually gonna talk all about different

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Speaker 1: ways that you can reduce the cost of your health care.

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Speaker 1: That's going to be an incredibly practical conversation with a

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Speaker 1: lot of takeaways that folks will be able to implement

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00:30:28,560 --> 00:30:30,479
Speaker 1: into their lives with a brilliant guy who has been

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00:30:30,520 --> 00:30:33,200
Speaker 1: working in this space for a decade and a half.

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00:30:33,680 --> 00:30:36,920
Speaker 1: And yeah, he just has so much good information it's

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Speaker 1: and he delivered it so well. So looking forward to

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Speaker 1: sharing that episode with you guys. That's right, So Joe,

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Speaker 1: it's gonna be a buddy until next time. Best friends out,

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Speaker 1: best friends out